This information was updated based upon the new limits reported May of 2017. Use this information to see if your family meets the USDA Loan requirements for maximum family income limits. The table below shows the current 2017 USDA Home Loan Maximum Income Requirements in NC – and it is based upon the number of […]

Use this information to see if your family meets the USDA Loan requirements for maximum family income limits. The table below shows the current 2017 USDA Home Loan NC Income Limits for the state – and it is based upon the number of people who live in your household. In North Carolina we have portions […]

Hickory, North Carolina is a City with historic ties to craftsmen, and Mills. It’s located North of Charlotte, and West of Winston Salem. Hickory is undergoing a huge renovation, as vacant and under used buildings are being “re-purposed” using City and Federal Grants for improvements. No wonder so many families we are talking to want […]

We work each month with dozens of first time home buyers in North Carolina who find their dream home outside of a metropolitan city. Why is that? Because some of the NC First Time Buyer programs are only available in more Rural NC areas, so the suburbs are ideal. Not all programs require you to […]

With all of the “deals” we are hearing about these days, I guess it’s not surprising that people are finding homes with large tracts of land associated with them. In general, the ratio of “land value” versus “home value” needs to be less than 30%. This goes for FHA loans, VA loans – Conventional loans, […]

In the Triangle, we are lucky to have such a large area that qualifies for USDA financing on mortgage loans! This program offers a 100% loan for home buyers who qualify with properties located in the more “rural” parts of the area! Does that mean it’s just for a FARM? Oh NO! This is for […]

USDA Home Loans are not just for buying farms! In fact, we don’t really offer that kind of Rural Development loan! We DO offer USDA Home Loans… 100%, No Money Down Home Loans that are insured and Underwritten by USDA! At this point in time, USDA Home Loans in Johnston County are available in every […]

We often talk to first time home buyers who want to know the minimum credit score requirements for a mortgage in North Carolina. The answer, while not complicated, is not one where I can just spit out ONE number as a benchmark for all mortgage programs. The minimum credit score requirements for a mortgage depends […]

In many NC Counties, you have to check the USDA website to make certain that the property you want to purchase is located within the USDA “footprint.” But if you are buying in Johnston County – you’re safe! The WHOLE COUNTY qualifies for USDA Zero No Money Down Home Loans. That’s right, Johnston County Qualifies […]

Great news! The USDA PMI Fee has been reduced for Fiscal Year 2017. This means that starting October 1, 2016 until September 30, 2017, home buyers who receive a USDA home loan will enjoy lower loan amounts and monthly payments. This allows many more people to qualify for a home loan and afford a more […]